Electronic payment system using multifunctional prepaid cards and method of selling prepaid cards

• US 6,793,135 B1
• Filed: 04/12/2001
• Issued: 09/21/2004
• Est. Priority Date: 11/30/1999
• Status: Expired due to Term

• Current Assignee: Galaxia Communications, Inc. (Galaxia Communications Co., Ltd.)
• Original Assignee: Dacom Cyberpass Incorporated
• Inventors: Ryoo, Chang Wan
• Primary Examiner(s): Lee, Michael G.
• Assistant Examiner(s): Kim, Ahshik
• Application Number:
  US09/806,481
• Time in Patent Office: 1,258 Days
• Field of Search: 235/380, 235/379, 235/383, 235/382, 235/381, 235/382.5, 705/35, 705/41, 705/43, 705/64, 705/69, 705/70, 705/72
• US Class Current: 235/383
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• CPC Class Codes: G06Q 20/3678 e-cash details, e.g. blinded, divisible or detecting double spending
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]

Abstract

There are provided an electronic payment system using a multifunctional prepaid card which is commonly used in payment for use of services and purchase of goods, and a method of selling the multifunctional prepaid card. The electronic payment system includes a multifunctional prepaid card having a predetermined Personal Identification Number (PIN), shopping/service providing means for providing services and goods to a user of the multifunctional prepaid card and requesting the PIN of the multifunctional prepaid card for payment, and a prepaid card management system for managing state/balance information for PIN for the multifunctional prepaid card on a database, making a settlement by referring to the balance amount of the corresponding PIN if payment for a specific PIN is requested by the shopping/service providing means, and updating the settlement result on the database. Thus, according to the electronic payment system, a single multifunctional prepaid card can be comprehensively used in payment for use of various services and for purchases of goods.

Claims

1. An electronic payments system wherein a real or virtual multifunctional pre-paid card allocated a specific card number is issued to a user, and the user settles payment for goods or telephone and other services using the allocated card number of the prepaid card, the system comprising:

a master database for storing the card number and balance information of the pre-paid card issued to the user and managing the same;

a pre-paid calling card system connected to a telephone network and the master database for authenticating the pre-paid card, settling the authenticated pre-paid card and balancing from the balance information of the corresponding card number of the pre-paid card through inquiry to the master database when a request for settlement is received through the telephone network;

a settlement server being connected to a data communication network and the pre-paid calling card system for authenticating the pre-paid card, settling the authenticated pre-paid card and balancing from the balance information of the corresponding card number of the pre-paid card by inquiry to the master database through the pre-paid calling card system when a request for settlement is received through the data communication network; and

a cyber card site for allocating a specific pre-paid card number and transferring the same to the user after settlement for purchase of the pre-paid card according to purchase request by the user through the Internet;

wherein payments of various goods, telephone and other services respectively requested through the telephone network and the data communication network being integrally carried out with the one pre-paid card through the master database.

2. The electronic payments system according to claim 1, wherein the cyber card site inquiring whether the pre-paid card purchased by the user is used by the user or is given to others as a gift from the user, and when chosen as a gift, transferring the card number of the purchased pre-paid card to an E-mail address of the other person being designated by the user.

3. The electronic payments system according to claim 1, wherein the cyber card site has a function for receiving the card number of the pre-purchased pre-paid card from the user in response to a recharge request from the user, wherein the user having access to the site through the Internet, and proceeding to settle payment for recharge relative to the received card number of the pre-paid card.

4. An electronic payments system wherein a real or virtual multifunctional pre-paid card allocated a specific card number is issued to a user, and the user settles payment for goods or telephone and other services using the allocated card number of the prepaid card, the system comprising:

a master database for storing the card number and balance information of the pre-paid card issued to the user and managing the same;

a pre-paid calling card system connected to a telephone network and the master database for authenticating the pre-paid card, settling the authenticated pre-paid card and balancing from the balance information of the corresponding card number of the pre-paid card through inquiry to the master database when a request for settlement is received through the telephone network;

a settlement server being connected to a data communication network and the pre-paid calling card system for authenticating the pre-paid card, settling the authenticated pre-paid card and balancing from the balance information of the corresponding card number of the pre-paid card by inquiry to the master database through the pre-paid calling card system when a request for settlement is received through the data communication network; and

a cyber card site for allocating a specific pre-paid card number and transferring the same to the user after settlement for purchase of the pre-paid card according to purchase request by the user through the Internet;

wherein payments of various goods, telephone and other services respectively requested through the telephone network and the data communication network being integrally carried out with the one pre-paid card through the master database at bout the same time.

5. The electronic payments system according to claim 4, wherein the cyber card site inquiring whether the pre-paid card purchased by the user is used by the user or is given to others as a gift from the user, and when chosen as a gift, transferring the card number of the purchased pre-paid card to an E-mail address of the other person being designated by the user.

6. The electronic payments system according to claim 4, wherein the cyber card site has a function for receiving the card number of the pre-purchased pre-paid card from the user in response to a recharge request from the user, wherein the user having access to the site through the Internet, and proceeding to settle payment for recharge relative to the received card number of the pre-paid card.

7. An electronic payments system wherein a real or virtual multifunctional pre-paid card allocated a specific card number is issued to a user through a cyber card site for allocating a specific pre-paid card number and transferring the same to the user after settlement for purchase of the pre-paid card according to purchase request by the user through the Internet, and the user settles payment for goods or telephone and other services using the allocated card number of the prepaid card, the system consisting essentially of:

a master database for storing the card number and balance information of the pre-paid card issued to the user and managing the same;

a pre-paid calling card system connected to a telephone network and the master database for authenticating the pre-paid card, settling the authenticated pre-paid card and balancing from the balance information of the corresponding card number of the pre-paid card through inquiry to the master database when a request for settlement is received through the telephone network; and

a settlement server being connected to a data communication network and the pre-paid calling card system for authenticating the pre-paid card, settling the authenticated pre-paid card and balancing from the balance information of the corresponding card number of the pre-paid card by inquiry to the master database through the pre-paid calling card system when a request for settlement is received through the data communication network;

wherein payments of various goods, telephone and other services respectively requested through the telephone network and the data communication network being integrally carried out with the one pre-paid card through the master database.

8. The electronic payments system according to claim 7, wherein the cyber card site inquiring whether the pre-paid card purchased by the user is used by the user or is given to others as a gift from the user, and when chosen as a gift, transferring the card number of the purchased pre-paid card to an E-mail address of the other person being designated by the user.

9. The electronic payments system according to claim 7, wherein the cyber card site has a function for receiving the card number of the pre-purchased pre-paid card from the user in response to a recharge request from the user, wherein the user having access to the site through the Internet, and proceeding to settle payment for recharge relative to the received card number of the pre-paid card.